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Debt collection agency vs Churnproof
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A debt collection agency steps in after an invoice has gone bad and usually takes a percentage of what it recovers. Churnproof works earlier, as part of your business, following up every overdue invoice by SMS and email for a flat monthly price, so fewer ever get that far.
| Debt collection agencies | Churnproof | |
|---|---|---|
| When it starts | Usually 60 to 90+ days overdue | From the due date |
| Cost | Commonly 10 to 25% of the amount recovered | Flat monthly price from $19 |
| Who the customer hears from | A third party | Your business |
| Customer relationship | Often ends it | Keeps it friendly |
| Legal steps | Can escalate | No. Hands long overdue invoices back to you |
Based on publicly available information as at November 2026. Check each provider's site for current details.
Most late payers aren't bad payers
They forgot, they're waiting on someone else, or they need a week. A timely, friendly text sorts most of them out. That's the job Churnproof does.
When you still need an agency
If a customer won't engage at all after 30 days, Churnproof stops and hands it back to you. That's the point to consider an agency or legal advice.
Questions people ask
- Is Churnproof a debt collector?
- No. It doesn't buy debts, take a cut, or threaten action. It follows up your invoices on behalf of your business.
- Does it follow debt collection guidelines?
- It's built with sensible limits: business hours only, no public holidays, no more than one message every three days, and STOP to opt out of SMS.
Stop chasing. Start getting paid.
Connect Xero or QuickBooks, name your employee and let them get on with it. Start free on one invoice. Paid plans from $19 a month.
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